Zopa Bank Limited
Financial Ombudsman decision DRN-3853949 Upheld
Upheldoutcome, as published by the Ombudsman
£1,360redress stated in the decision
Thu Aug 10deadline to accept (not the decision date)
The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.
What this decision was about
APP scam refund refused, Service failure
In the Ombudsman’s words
Miss O complains that Zopa Bank Limited (Zopa) is refusing to refund her the amount she lost as the result of a scam.APP scam refund refused
So, I think had Zopa questioned Miss O about the payments it’s likely it would have uncovered the scam and prevented Miss O incurring any loss. Zopa is therefore responsible for her loss.Service failure
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3853949.pdf on financial-ombudsman.org.uk.
The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.